People take things seriously in court. Judges and lawyers, not so much. People think that the banks have feelings for them --- negative but nonetheless feelings. They don't. It is all a game to them of strategy and tactics just like it has always been in trial work for centuries. Neither the banks nor their lawyers hate you. They just…[...]

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By William Hudson   "Emotional violence is another kind of abuse ... it's not about words because an emotionally abusive person doesn't always resort to using the verbal club, but rather the verbal untraceable poison."   ~Augusten Burroughs The banks commit felonious financial crimes against homeowners with impunity. But even more egregious and unconscionable than the theft of assets, is the…[...]

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Tags: foreclosure fraud, loan servicer abuse, loan servicer scam, Mortgage Abuse
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You can prove your point thus rebutting the legal presumptions that attach to facially valid paper by starting at the top of the paper trail, the bottom or anywhere in between. You won't find a single transaction in which money exchanged hands. That means whoever transferred this "valuable" note received no payment. The transportation of a note that never should…[...]

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Tags: discovery, foreclosure defense, fraud, HOLDER, holder in due course, PETE, possessor entitled to enforce, securitization
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By William Hudson CoreLogic's April 2016 National Foreclosure Report shows that foreclosure inventory declined by 23.4 percent and completed foreclosures declined by 15.8 percent compared with April of 2015. The number of completed foreclosures nationwide decreased year over year from 43,000 in April 2015 to 37,000 in April 2016, representing a decrease of 68.9 percent from the peak of 117,813…[...]

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[caption id="attachment_36628" align="alignnone" width="364"] Nominate Neil Garfield for a TED talk.[/caption] LivingLies readers have stated they would like Neil Garfield to hold a TED talk.  Please use email: info@lendinglies.com  Phone:202-838-6345 If you agree, you can nominate Neil Garfield at:  http://speaker-nominations.ted.com/ Garfield's Ideas are Worth Spreading. Thank you, The Lending Lies Team  [...]

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[caption id="attachment_35460" align="alignnone" width="486"] Listen Live! The Neil Garfield Show[/caption] Click in to tune in The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays Tonight Southern California Attorney Stephen F. Lopez discusses the recent Sciarratta decision in which he represented the homeowner.  Lopez is a 1986 graduate of California Western School of Law and practices law…[...]

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[caption id="attachment_36491" align="alignnone" width="320"] William Charles Erby- Ocwen's Finest[/caption] http://www.maltatoday.com.mt/news/national/66489/millionaire_facing_us_investment_fraud_suit_is_maltas_newest_citizen#.V2MBeeYzZb0 Mortgage Titan and U.S. Citizen William Charles Erbey, who built Ocwen Financial into one of the country’s largest non-bank mortgage servicers, is having problems qualifying for a Maltese passport. Although there has been no reason provided for the holdup on William's passport application, it could have something to do with…[...]

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"We have repeatedly stated that a crucial element in any mortgage foreclosure proceeding is that the party seeking foreclosure must demonstrate that it has standing to foreclose," Klingensmith wrote, citing cases from 2012 and 2015. "As always, a party must have standing to file suit at its inception and may not remedy this defect by subsequently obtaining standing." Read more:…[...]

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The incentive payments from the Federal government for HAMP modifications were merely used for profit, bonuses and the like. No attention was paid to HAMP modifications except in rare instances where the banks thought it prudent to at least make it appear as though they were following HAMP guidelines when they clearly had no interest in doing so. Most Judges…[...]

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Tags: foreclosure, foreclosure defense, fraud, HAMP, Homeward, Ocwen, quit tam, securitization, Servicer advances
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  Shout out to LivingLies reader Rich Caires.  The following information is not legal advice- contact an attorney. Fore more information see: https://livinglies.me/2016/06/13/discovery-your-blackknight-in-shining-armor/ If you have refinanced your property over the past ten years, you may want to research who signed the loan release.  Only the true creditor, not a servicer, can sign the release.  The presumption that most homeowners,…[...]

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